EXL

Credit Risk Strategy Manager

EXL  •  $130k/yr  •  United States (Hybrid)  •  2 months ago
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Job Description

Work Location: NYC
Work Mode: Hybrid (3 days/week in office)
Pay Range: $130K/Yr - $150K/Yr

For more information on benefits and what we offer please visit us at https://www.exlservice.com/us-careers-and-benefits

We are seeking a highly analytical and commercially driven Credit Risk Strategy Manager to lead acquisition risk strategies for our Credit Card portfolio. This role will focus on optimizing approval strategies, leveraging open banking data, managing affiliate channel performance, and driving portfolio growth while maintaining risk discipline.

The ideal candidate has strong hands-on experience in SAS and SQL, deep understanding of credit risk frameworks, and exposure to digital acquisition channels including affiliate marketing.

Key Responsibilities

1. Acquisition Credit Risk Strategy

  • Develop, implement, and optimize credit card acquisition underwriting strategies.
  • Design approval, pricing, and limit assignment strategies aligned to risk appetite.
  • Monitor approval rates, bad rates, and portfolio performance.
  • Conduct segmentation analysis to identify growth opportunities while controlling risk.
  • Lead champion/challenger testing and strategy experiments

2. Open Banking Data Integration

  • Leverage open banking transaction-level data to enhance underwriting models.
  • Develop risk segmentation using income validation, cash flow patterns, and affordability signals.

3. Affiliate Channel Risk Management

  • Monitor performance across affiliate and digital acquisition channels.
  • Assess channel-specific risk trends and adverse selection.
  • Optimize strategy by affiliate source and customer segment.

4. Analytics & Reporting

  • Build analytical datasets using SQL
  • Develop strategy logic and performance tracking using SAS
  • Create dashboards and risk reporting for senior management.
  • Perform cohort analysis, vintage analysis, and early delinquency tracking.

5. Stakeholder Collaboration

Key Skills & Competencies

  • Strong quantitative and analytical skills
  • Strategic thinking with commercial acumen
  • Ability to translate data insights into actionable strategies
  • Strong communication and stakeholder management skills
  • Structured problem-solving approach
  • Ability to manage multiple priorities in a fast-paced environment

Graduate in Statistics, Mathematics, Finance, or a related field. 6-8 years of experience in risk analytics or data analysis.

EXL

About EXL

Choosing a digital partner is about more than capabilities — it’s about collaboration and character.

Unrealistic overhauls and off-the-shelf products ignore what matters most — your unique needs, culture, goals, and your legacy data and technology environments.

At EXL, our collaboration is built on ongoing listening and learning to adapt our methodologies. We’re your business evolution partner—tailoring solutions that make the most of data to make better business decisions and drive more intelligence into your increasingly digital operations.

Whether your goals are scaling the use of AI and digital, redesign operating models, or driving better and faster decisions, we’re here to partner with you to help you gain—and maintain—competitive advantage with efficient, sustainable models at scale.

Our expertise in transformation, data science, and change management helps make your business more efficient and effective, improve customer relationships and enhance revenue growth. Instead of focusing on multi-year, resource- and time-intensive platform designs or migrations, we look deeper at your entire value chain to integrate strategies with impact.

We use our specialization in analytics, digital interventions, and operations management—alongside deep industry expertise — to deliver solutions that help you outperform the competition.

At EXL, it’s all about outcomes—your outcomes—and delivering success on your terms. Share your goals with us and together, we’ll optimize how you leverage data to drive your business forward.

For more information, visit www.exlservice.com.

Industry
Consulting & Advisory
Company Size
10,000+ employees
Headquarters
New York, NY
Year Founded
Unknown
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